The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,730
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$1,129/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,311/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,749
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,081/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,209/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,875
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,355/mo
Today · 4.125%
HK$45,564
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,773/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$91,128/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,298/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$2,650/mo
Deposit HK$6.27M · loan HK$9.40M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,021
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,581/mo
Today · 4.125%
HK$53,158
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$3,235/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$106,316/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,141
−HK$1,514/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$61,747
+HK$3,092/mo
Deposit HK$4.70M · loan HK$10.97M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,313
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$2,032/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$4,159/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$1,946/mo
Today · 4.125%
HK$75,413
baseline
▲ 0.50% · 4.625%
HK$79,388
+HK$3,975/mo
Deposit HK$1.57M · loan HK$14.10M · min. income ≈ HK$150,826/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,592 · Scale 2, in force from 26 Feb 2026)